The struggle with employer-sponsored benefits plans isn't new. Employees want high levels of coverage without high premiums or co-payments. Employers want costs managed without compromising quality of service. One way to meet all of these goals is to self-insure benefits programs and transfer the risk away from a third party to the organization and its employees. Originally published by American Compensation Association (WorldatWork) in 1997, Self-Insuring Benefits Programs has been significantly updated and expanded to walk readers through everything from conducting an audit of the existing p.